:root {
  --navy:#0b1f3a;
  --navy-2:#061527;
  --navy-3:#102b4a;
  --blue:#2563eb;
  --gold:#d4af37;
  --gold-2:#b98319;
  --gold-bg:#fbf5e6;
  --white:#fff;
  --gray-100:#f5f7fa;
  --gray-200:#eef2f6;
  --gray-300:#dde3ea;
  --gray-500:#64748b;
  --gray-600:#536170;
  --gray-800:#1f2937;
  --green:#147a2e;
  --red:#b42318;
  --shadow:0 22px 60px rgba(11,31,58,.12);
}

* { box-sizing:border-box; }
[hidden] { display:none !important; }
html { min-height:100%; }
body {
  min-height:100%;
  margin:0;
  background:var(--gray-100);
  color:var(--gray-800);
  font-family:Inter, "DM Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height:1.45;
}
h1,h2,h3,p { margin:0; }
button,input,select { font:inherit; }
button { color:inherit; }
a { color:inherit; }

.app-shell {
  min-height:100vh;
  display:grid;
  grid-template-columns:300px minmax(0,1fr);
}
.sidebar {
  position:sticky;
  top:0;
  height:100vh;
  padding:26px 22px;
  display:flex;
  flex-direction:column;
  gap:24px;
  color:#fff;
  background:linear-gradient(180deg,var(--navy),var(--navy-2));
  border-right:1px solid rgba(255,255,255,.1);
}
.brand {
  padding:14px 0 24px;
  text-align:center;
  border-bottom:1px solid rgba(212,175,55,.7);
}
.brand.compact {
  margin-bottom:20px;
  background:var(--navy);
  padding:18px;
  border-radius:8px;
}
.brand-main {
  font-family:Georgia, "Times New Roman", serif;
  color:var(--gold);
  font-size:31px;
  font-weight:900;
  letter-spacing:.08em;
  line-height:1.05;
}
.brand-sub {
  margin-top:8px;
  font-family:Georgia, "Times New Roman", serif;
  color:var(--gold);
  font-size:19px;
  font-weight:900;
  letter-spacing:.32em;
}
.brand-divider {
  width:78%;
  height:1px;
  margin:16px auto 14px;
  background:var(--gold);
}
.brand-mission {
  color:#fff;
  font-size:13px;
  font-weight:800;
  line-height:1.45;
}
.progress-title {
  color:#dbeafe;
  text-transform:uppercase;
  letter-spacing:.08em;
  font-size:12px;
  font-weight:900;
}
.progress-step {
  margin-top:4px;
  font-size:22px;
  font-weight:900;
}
.progress-dots {
  display:flex;
  gap:8px;
  margin-top:16px;
}
.dot {
  width:18px;
  height:18px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:rgba(255,255,255,.18);
  color:#fff;
  font-size:10px;
  font-weight:900;
  border:1px solid rgba(255,255,255,.22);
}
.dot.done,.dot.active {
  background:var(--gold);
  color:var(--navy);
  border-color:var(--gold);
}
.navsteps { display:grid; }
.navitem {
  position:relative;
  display:grid;
  grid-template-columns:42px 1fr;
  gap:12px;
  align-items:center;
  padding:14px 0;
  border:0;
  background:transparent;
  color:#fff;
  text-align:left;
  cursor:pointer;
}
.navitem:focus-visible {
  outline:3px solid rgba(212,175,55,.7);
  outline-offset:2px;
}
.navitem::before {
  content:"";
  position:absolute;
  left:20px;
  top:0;
  bottom:0;
  width:1px;
  background:rgba(255,255,255,.2);
}
.navcircle {
  width:42px;
  height:42px;
  border-radius:50%;
  display:grid;
  place-items:center;
  position:relative;
  z-index:1;
  background:var(--navy-2);
  border:2px solid rgba(255,255,255,.35);
  color:#fff;
  font-weight:900;
}
.navitem.done .navcircle {
  border-color:var(--gold);
  color:var(--gold);
}
.navitem.active {
  margin-inline:-22px;
  padding-left:22px;
  padding-right:22px;
  background:linear-gradient(90deg,rgba(37,99,235,.55),rgba(37,99,235,.2),transparent);
  border-left:4px solid var(--gold);
}
.navitem.active .navcircle {
  background:var(--blue);
  border-color:#60a5fa;
}
.navtext strong { display:block; font-size:16px; line-height:1.1; }
.navtext span { display:block; margin-top:4px; color:#dbeafe; font-size:13px; }
.help-card {
  margin-top:auto;
  padding:18px;
  border:1px solid rgba(212,175,55,.42);
  border-radius:8px;
  background:rgba(255,255,255,.06);
}
.help-card strong { display:block; font-size:16px; }
.help-card p {
  margin-top:8px;
  color:#e8f1ff;
  font-size:13px;
}
.help-card a {
  display:block;
  margin-top:14px;
  padding:11px 12px;
  border:1px solid var(--gold);
  border-radius:8px;
  color:var(--gold);
  text-align:center;
  text-decoration:none;
  font-weight:900;
}
.main { min-width:0; }
.topbar {
  min-height:124px;
  padding:24px 40px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:24px;
  background:#fff;
  border-bottom:1px solid var(--gray-300);
}
.topbar h1 {
  color:#08172b;
  font-size:34px;
  letter-spacing:0;
  line-height:1.05;
}
.topbar p {
  margin-top:7px;
  color:#425466;
  font-size:16px;
}
.secure {
  display:flex;
  gap:14px;
  align-items:flex-start;
  max-width:320px;
}
.secure-icon {
  width:42px;
  height:42px;
  border-radius:50%;
  display:grid;
  place-items:center;
  flex:none;
  color:var(--green);
  background:#f0fdf4;
  border:1.5px solid var(--green);
  font-weight:900;
}
.secure strong { display:block; font-size:14px; color:#08172b; }
.secure span { display:block; margin-top:3px; color:#425466; font-size:13px; }
.content {
  max-width:1480px;
  padding:30px 40px 42px;
  display:grid;
  grid-template-columns:minmax(0,1fr) 320px;
  gap:34px;
  align-items:start;
}
.notice {
  margin-bottom:14px;
  padding:12px 14px;
  display:flex;
  justify-content:space-between;
  gap:16px;
  align-items:center;
  background:#fff;
  border:1px solid var(--gray-300);
  border-radius:8px;
  color:#334155;
}
.link-button {
  border:0;
  background:transparent;
  color:#1d4ed8;
  cursor:pointer;
  font-weight:900;
  text-decoration:underline;
}
.section { display:none; }
.section.active { display:block; }
.stage {
  padding:30px;
  background:#fff;
  border:1px solid var(--gray-300);
  border-radius:8px;
  box-shadow:var(--shadow);
}
.eyebrow {
  margin-bottom:8px;
  color:var(--gold-2);
  font-size:13px;
  font-weight:900;
}
.stage h2 {
  color:#08172b;
  font-size:36px;
  letter-spacing:0;
  line-height:1.05;
}
.lead {
  max-width:760px;
  margin-top:10px;
  color:#344456;
}
.rule {
  margin:24px 0;
  border:0;
  border-top:1px solid var(--gray-300);
}
.block-title {
  margin-bottom:6px;
  color:#08172b;
  font-size:19px;
  font-weight:900;
}
.block-copy {
  margin-bottom:16px;
  color:var(--gray-600);
  font-size:14px;
}
.grid { display:grid; gap:16px; }
.grid.two { grid-template-columns:repeat(2,minmax(0,1fr)); }
.field { display:grid; gap:7px; }
label,.field-label {
  color:#172033;
  font-size:14px;
  font-weight:800;
}
.optional {
  color:var(--gray-600);
  font-weight:500;
}
input,select {
  width:100%;
  min-height:45px;
  padding:12px;
  background:#fff;
  border:1px solid #cfd8e3;
  border-radius:8px;
  outline:none;
}
input:focus,select:focus {
  border-color:var(--blue);
  box-shadow:0 0 0 3px rgba(37,99,235,.14);
}
[aria-invalid="true"] {
  border-color:var(--red);
  box-shadow:0 0 0 3px rgba(180,35,24,.12);
}
.field-error {
  min-height:18px;
  color:var(--red);
  font-size:13px;
  font-weight:700;
}
.money-field {
  max-width:430px;
  display:grid;
  grid-template-columns:38px 1fr;
  overflow:hidden;
  background:#fff;
  border:1px solid #cfd8e3;
  border-radius:8px;
}
.money-field span {
  display:grid;
  place-items:center;
  background:#f1f5f9;
  border-right:1px solid #cfd8e3;
  color:#334155;
  font-weight:800;
}
.money-field input {
  border:0;
  border-radius:0;
  text-align:right;
}
.expense-layout {
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:18px;
  align-items:start;
}
.expense-card,.foundation-card,.summary-card {
  background:#fff;
  border:1px solid var(--gray-300);
  border-radius:8px;
}
.expense-card {
  min-height:100%;
  padding:18px;
}
.expense-card h3 {
  margin-bottom:16px;
  display:flex;
  gap:10px;
  align-items:center;
  color:#08172b;
  font-size:18px;
}
.icon {
  width:35px;
  height:35px;
  border-radius:50%;
  display:grid;
  place-items:center;
  background:#eff6ff;
  color:var(--blue);
  font-weight:900;
}
.icon.gold {
  background:var(--gold-bg);
  color:var(--gold-2);
}
.expense-row {
  display:grid;
  grid-template-columns:minmax(120px,1fr) 126px;
  gap:10px;
  align-items:center;
  margin-bottom:9px;
}
.expense-row label { font-size:13px; }
.mini-money {
  min-width:0;
  display:grid;
  grid-template-columns:30px 1fr;
  overflow:hidden;
  border:1px solid #cfd8e3;
  border-radius:8px;
}
.mini-money span {
  display:grid;
  place-items:center;
  background:#f8fafc;
  color:#475569;
  font-size:12px;
}
.mini-money input {
  min-height:34px;
  padding:8px;
  border:0;
  border-radius:0;
  text-align:right;
}
.business-toggle {
  margin-top:18px;
  padding:18px;
  background:#eff6ff;
  border:1px solid #bfdbfe;
  border-radius:8px;
}
.radio-row {
  display:flex;
  gap:22px;
  align-items:center;
  margin-top:12px;
}
.radio-row label {
  display:flex;
  gap:8px;
  align-items:center;
  font-size:15px;
  font-weight:800;
}
.radio-row input,.check-card input {
  width:20px;
  height:20px;
  min-height:auto;
  accent-color:var(--blue);
}
.snapshot {
  margin-top:24px;
  padding-top:24px;
  border-top:1px solid var(--gray-300);
}
.snapshot-grid {
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:12px;
  margin-top:14px;
}
.snap-card {
  min-height:110px;
  padding:18px;
  background:#fff;
  border:1px solid var(--gray-300);
  border-radius:8px;
}
.snap-card.income { background:#eff6ff; }
.snap-card.expenses { background:#fff6f4; }
.snap-card.disposable { background:#f0fdf4; }
.snap-card span {
  display:block;
  color:#172033;
  font-size:13px;
  font-weight:900;
}
.snap-card b {
  display:block;
  margin-top:8px;
  font-size:28px;
  letter-spacing:0;
}
.snap-card small {
  display:block;
  margin-top:4px;
  color:#425466;
}
.side-card {
  margin-bottom:20px;
  padding:22px;
  background:#fff;
  border:1px solid var(--gray-300);
  border-radius:8px;
  box-shadow:0 12px 36px rgba(11,31,58,.07);
}
.side-card h2 {
  margin-bottom:12px;
  color:#08172b;
  font-size:19px;
}
.side-card p {
  color:#425466;
  font-size:14px;
  line-height:1.55;
}
.side-icon,.foundation-icon {
  display:grid;
  place-items:center;
  border-radius:50%;
}
.side-icon {
  width:44px;
  height:44px;
  margin-bottom:12px;
  background:var(--navy);
  color:#fff;
  font-weight:900;
}
.foundation-grid {
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:18px;
}
.foundation-card {
  min-height:330px;
  padding:24px;
}
.foundation-icon {
  width:58px;
  height:58px;
  margin:0 auto 18px;
  background:var(--navy);
  color:var(--gold);
  font-size:22px;
  font-weight:900;
}
.foundation-card h3 {
  margin-bottom:20px;
  color:#08172b;
  font-size:20px;
  line-height:1.3;
  text-align:center;
}
.check-list { display:grid; gap:18px; }
.check-card {
  display:flex;
  gap:12px;
  align-items:center;
  color:#08172b;
  cursor:pointer;
  font-weight:700;
}
.emergency-input {
  margin-top:24px;
  padding-top:18px;
  border-top:1px solid var(--gray-300);
}
.goals {
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:14px;
}
.goal {
  min-height:104px;
  padding:18px;
  display:flex;
  flex-direction:column;
  justify-content:center;
  gap:8px;
  background:#fff;
  border:1px solid var(--gray-300);
  border-radius:8px;
  cursor:pointer;
}
.goal input {
  position:absolute;
  opacity:0;
}
.goal:focus-within {
  outline:3px solid rgba(37,99,235,.18);
}
.goal.selected {
  border-color:var(--blue);
  background:#eff6ff;
  box-shadow:0 0 0 3px rgba(37,99,235,.1);
}
.goal strong { color:#08172b; }
.goal small { color:var(--gray-600); }
.summary { display:grid; gap:16px; }
.summary-card { padding:20px; }
.summary-card h3 {
  margin-bottom:12px;
  color:#08172b;
  font-size:20px;
}
.summary-row {
  display:flex;
  justify-content:space-between;
  gap:16px;
  padding:12px 0;
  border-top:1px solid var(--gray-200);
}
.summary-row:first-of-type { border-top:0; }
.summary-row span { color:var(--gray-600); }
.summary-row b {
  color:#08172b;
  text-align:right;
}
.tags {
  display:flex;
  flex-wrap:wrap;
  gap:8px;
}
.tag {
  padding:8px 11px;
  background:#eff6ff;
  border-radius:999px;
  color:#1d4ed8;
  font-size:13px;
  font-weight:900;
}
.meeting-card {
  padding:28px;
  background:linear-gradient(135deg,var(--navy),var(--navy-3));
  color:#fff;
  border:1px solid rgba(255,255,255,.12);
  border-radius:8px;
}
.meeting-card h3 {
  font-size:26px;
  letter-spacing:0;
}
.meeting-card p {
  max-width:720px;
  margin-top:10px;
  color:#dbeafe;
}
.buttons {
  display:flex;
  justify-content:space-between;
  gap:12px;
  margin-top:26px;
  padding-top:22px;
  border-top:1px solid var(--gray-300);
}
.btn {
  min-height:48px;
  padding:13px 20px;
  display:inline-flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  border:1px solid transparent;
  border-radius:8px;
  cursor:pointer;
  font-weight:900;
  text-decoration:none;
}
.btn.primary {
  background:var(--blue);
  color:#fff;
  box-shadow:0 10px 26px rgba(37,99,235,.22);
}
.btn.gold {
  background:var(--gold);
  color:var(--navy);
  box-shadow:0 10px 26px rgba(212,175,55,.18);
}
.btn.ghost {
  background:#fff;
  border-color:#cbd5e1;
  color:#172033;
}
.btn:disabled {
  cursor:not-allowed;
  opacity:.52;
  box-shadow:none;
}
.start-overlay {
  position:fixed;
  inset:0;
  z-index:10;
  display:grid;
  place-items:center;
  padding:20px;
  background:rgba(6,21,39,.72);
}
.start-card {
  width:min(520px,100%);
  padding:24px;
  background:#fff;
  border-radius:8px;
  box-shadow:0 26px 80px rgba(0,0,0,.28);
}
.start-card h2 {
  color:#08172b;
  font-size:28px;
  line-height:1.1;
}
.start-card p {
  margin-top:10px;
  color:#425466;
}
.start-actions {
  display:grid;
  gap:10px;
  margin-top:22px;
}
.toast {
  position:fixed;
  right:18px;
  bottom:18px;
  z-index:20;
  max-width:min(380px,calc(100vw - 36px));
  padding:12px 14px;
  background:#08172b;
  color:#fff;
  border-radius:8px;
  box-shadow:0 14px 38px rgba(0,0,0,.2);
  font-weight:800;
}

@media (max-width:1250px) {
  .content { grid-template-columns:1fr; }
  .right-rail { display:none; }
  .expense-layout { grid-template-columns:1fr 1fr; }
  .foundation-grid { grid-template-columns:repeat(2,minmax(0,1fr)); }
}
@media (max-width:900px) {
  .app-shell { display:block; }
  .sidebar {
    position:relative;
    height:auto;
    padding:18px;
  }
  .brand {
    padding:12px 0 16px;
  }
  .brand-main { font-size:24px; }
  .brand-sub {
    font-size:15px;
    letter-spacing:.26em;
  }
  .brand-mission { font-size:12px; }
  .navsteps {
    grid-template-columns:repeat(3,1fr);
    gap:8px;
  }
  .navitem {
    display:flex;
    justify-content:center;
    padding:8px;
    background:rgba(255,255,255,.06);
    border-radius:8px;
  }
  .navitem::before,.navtext { display:none; }
  .navitem.active {
    margin:0;
    padding:8px;
    border-left:0;
    background:rgba(37,99,235,.35);
  }
  .help-card { display:none; }
  .topbar {
    min-height:auto;
    display:block;
    padding:24px 18px;
  }
  .topbar h1 { font-size:30px; }
  .secure { margin-top:18px; }
  .content {
    display:block;
    padding:16px;
  }
  .stage {
    padding:20px;
  }
  .stage h2 { font-size:32px; }
  .expense-layout,.foundation-grid,.goals,.snapshot-grid,.grid.two {
    grid-template-columns:1fr;
  }
  .expense-row {
    grid-template-columns:1fr 130px;
  }
  .foundation-card { min-height:auto; }
  .buttons {
    flex-direction:column;
  }
  .btn { width:100%; }
}
@media (max-width:480px) {
  .navsteps { grid-template-columns:repeat(6,1fr); }
  .navcircle {
    width:34px;
    height:34px;
    font-size:12px;
  }
  .expense-row {
    grid-template-columns:1fr;
  }
  .summary-row {
    display:grid;
    gap:4px;
  }
  .summary-row b { text-align:left; }
}

@media print {
  body {
    background:#fff;
    color:#111827;
  }
  .sidebar,.topbar,.right-rail,.buttons,.notice,.start-overlay,.toast {
    display:none !important;
  }
  .app-shell,.content {
    display:block;
  }
  .content {
    padding:0;
    max-width:none;
  }
  .section {
    display:none !important;
  }
  .section.printable {
    display:block !important;
  }
  .stage {
    box-shadow:none;
    border:0;
    padding:0;
  }
  .summary-card,.meeting-card {
    break-inside:avoid;
    border-color:#d1d5db;
  }
  .meeting-card {
    background:#fff;
    color:#111827;
  }
  .meeting-card p {
    color:#374151;
  }
  a { text-decoration:none; }
}